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1. These Terms and Conditions apply to the Databank Gift Voucher Portal.
2. It governs the purchase, issuance, delivery, and redemption of gift vouchers via the Databank Gift Voucher Portal.
3. A Databank Gift Voucher is an investment voucher which represents monetary value and is redeemable exclusively into a Databank MFund II account.
4. Gift Vouchers are non-transferable and cannot be exchanged for cash. Each Gift Voucher is assigned a unique voucher code for identification and redemption.
5. By accessing and using the portal, the client acknowledges that he/she has fully read, understood and unconditionally agrees to comply with these terms and conditions.

1. Gift Vouchers may be purchased by both Databank and Non-Databank clients.
2. Recipients may or may not already hold a Databank MFund II account. However, redemption requires an active MFund II account.

1. All purchases are completed through guest checkout; no Databank account is required at the point of purchase.
2. Buyers must provide accurate and complete information during purchase. Databank shall not be responsible for errors arising from incorrect recipient details supplied by the buyer.
3. Gift Vouchers are only generated after successful payment confirmation.
4. Virtual Gift Vouchers will be delivered via email to the recipient on the buyer’s selected delivery date.
5. Physical Gift Vouchers may be collected at a selected Databank branch on the chosen collection date or after.

1. Gift Vouchers may be redeemed either at a Databank branch or through the Redemption link on the Databank Gift Voucher Portal.
2. The voucher can only be redeemed into a Databank MFund II account.
3. Recipients without a Databank MFund II account must create one before redemption.
4. Redemption proceeds are processed within 3–5 working days after a redemption request has been successfully placed.
5. If a voucher remains unredeemed ninety (90) days after the delivery:
   • The buyer will be contacted.
   • If the buyer has a Databank account, the voucher value will be credited to that account.
   • If the buyer does not have an account, they will be required to open one to claim the voucher amount. No refunds will be made in cash.

1. Once a gift voucher request has been made, it cannot be cancelled.
2. Once the gift voucher has been generated, no refunds or cancellations shall be permitted.
3. A refund will only be issued if there is a failure, due to system error, to deliver the virtual gift voucher to the recipient on the buyer’s selected delivery date or within 24 hours after the delivery date.
4. No refund will be issued if:
   • The gift voucher was successfully delivered within the defined turnaround time.
   • The purchase was processed using incorrect or incomplete information supplied by the buyer (e.g., wrong date ranges, incorrect recipient details).
   • The client no longer requires the gift voucher after it has been generated.
   • The recipient does not redeem after 90 days of delivery. The funds will be redeemed into the buyer’s account.

1. Before initiating a chargeback with an issuing bank, clients/buyers are required to first contact Databank using the details in clause 7 below to resolve any issue. Databank reserves the right to contest any chargeback by providing evidence of service delivery in accordance with these terms.
2. Databank reserves the right to withhold voucher issuance or deny any refund request in cases of suspected fraud, system abuse, or regulatory concerns.
3. Databank reserves the right to review, amend, modify, or revoke these terms and conditions, in whole or in part, at its sole discretion at any time when necessary. Any such changes shall take effect when posted on the website. It is the responsibility of the client to familiarize themselves with any amendments/modifications. Continued use of the service after such changes constitutes acceptance of the revised terms.
4. Failure by Databank to enforce any of its rights at any stage does not constitute a waiver of those rights.
5. These terms and conditions will in all respects be governed by and construed under the laws of Ghana

Any questions, complaints or comments can be made by calling 0302 610610 or emailing marketing@databankgroup.com